Whether traveling in country or abroad, it is not only important to pack the essentials such as clothing and toiletries, but also to have items such as travelers insurance. Travel insurance is something that no businessperson or vacationer wants to be without. A great convenience for anybody getting prepared for a trip is that most all plans and policies are delivered right to your email inbox once you have paid securely and quickly with a major credit card. Depending on how much you travel and what types of coverage you need, there is a travel insurance policy made for you.
The various travel insurance web sites provide many useful details about coverage, policies, and you can usually get a quote instantly online. The three main factors in a travelers insurance company’s quote are your age, destination, and the length of your trip.
Many insurance companies will provide excellent traveler coverage. There are usually five different categories for purchasing insurance on the web: package, medical, flight accident, medical evacuation, and insurance for Schengen visas.
Package plans are bundled for you by the insurance companies. These bundles provide a vast expanse of travel coverage including but not limited to, trip cancellation/interruption, baggage issues, and may offer Accident/Flight Accidental Death, and car rental.
Medical plans provide coverage for you while you are traveling. It is best to speak with your insurance company before purchasing medical coverage to know what your limitations and current coverage are. Travelers’ medical plan most often covers 100% of your trip if it is cancelled and up to 150% if the trip is interrupted. There is usually little to no deductible with up to $1 million in coverage.
Flight Accidental Death policies are available to purchase either per trip, or per year. The accidental death limit coverage ranges from $500,000 to $1 million. With most companies, there is not a deductible and some will offer medical and dental coverage as well.
The Medical Evacuation plan provides 24-hour emergency evacuation if you are 100 miles or more from your home and this policy can be purchased per trip or for an annual multi-trip rate.
The Shengen Visa Insurance Requirements are for travelers who need to have a visa from a Schengen country. Most of these plans require you have medical traveler’s insurance in place. The coverage for this policy is per trip, and covers many incidences such as trip cancellation or interruption, travel delay, missed connections, and baggage insurance. Most plans offer up to $1 million in medical and have no deductible.
It is easy to see why it is so important to have the right travel policies in place before leaving home. Many people make the mistake of thinking health insurance plans cover everything for them or that losing baggage or having a delay in travel will not happen to them. Always be prepared for the unexpected and find the traveler insurance on the web that is right for you.